I'm just amazed how, many people worry and think about such minor questions but don't put any effort into reading the details.
Well here are the details mentioned in the
fee & charges pdf file:
If you subscribe to 811 super then you get free debit card.
The subscription for the 811 super can be considered debit card fee.
If you don't renew the subscription for 811 super from 2nd year, then ₹299 debit card fee will charged.
Conclusion: Buy 811 super get debit card free otherwise pay yearly fee for the debit card (without any benefits of 811 super).
Don't want to renew 811 super and don't want to pay for the card either? Just close the card before the 811 super renewal date.